ACS develops smart card operating systems (ACOS) as its intellectual property. Developed by our dedicated team of specialists, the ACOS3 Combi Microprocessor Card is a dual-interface smart card unlocks the potential of a smart card. It enables a single card to support various applications such as loyalty program, parking registration, access control, eID, and electronic purse.

ACOS3 Combi is specifically designed for highly secured payment applications. Featuring a high degree of security, ACOS3 Combi is particularly suitable for secure loyalty programs, identification and e-Purse applications. Likewise, it may be utilized for common payment solutions.

Available in the following interface:

Combi Card Interface

Contactless Interface

Full 8 KB of EEPROM for application data

Compliance with:

Contact: ISO 7816 Parts 1, 2, 3, 4

Supports T=0 Protocol

Contactless: ISO 14443 Parts 1, 2, 3, 4

Supports T=CL protocol and fully compatible with ISO 14443 Type A

High-speed transmission rate:

Contact: from 9.6 to 223.2 kbps

Contactless: from 106 to 848 kbps

Supports DES/3DES and MAC

Has five secret codes + Issuer code

Has PIN code that may be updated by the card holder

Supports Key Pair for Mutual Authentication

Supports Session Key based on FIPS140-2 compliant true random numbers

Supports Secure Messaging to ensure that the data is secured from third party attacks

Supports Account File Data Structure that can be enabled for secure purse/payment applications